What types of Pet Insurance does Scratch and Patch offer?

Scratch and Patch offers cover for dogs and cats. The company’s Pet Insurance policies are underwritten by Hiscox and have five levels of cover:

Premier Plus

This is a lifetime policy and it's Scratch and Patch's most comprehensive level of cover.

It includes up to £8,000 per year for vet fees (this includes £1,000 for alternative medicine; £2,000 for cruciate ligament; £2,000 for MRI or CT scan; £8,000 for dental treatment caused by accident or injury; £100 for diet food and £500 for behavioural treatment).

It also has up to £1,500 cover for death from accident or illness; £150 for euthanasia; £2m for third-party liability (dogs only); £1,500 for loss and recovery; £750 for accidental damage; up to £2,500 for holiday cancellation and up to £1,000 for emergency boarding or pet minding for your pet if you are hospitalised for medical treatment.

Premier

This is a lifetime policy, which includes up to £4,000 per year for vet fees (this includes £750 for alternative medicine; £1,500 for cruciate ligament; £1,500 for MRI or CT scan; £4,000 for dental treatment caused by accident or injury; £100 for diet food and £250 for behavioural treatment).

It has up to £1,500 cover for death from accident or illness; £100 for euthanasia; £1.5m for third-party liability (dogs only); £1,500 for loss and recovery; £500 for accidental damage; up to £1,500 for holiday cancellation and up to £1,000 for emergency boarding or pet minding for your pet if you are hospitalised for medical treatment.

Gold

This is a per-condition policy, which includes up to £4,000 for vet fees per injury/illness (this includes £400 for alternative medicine; £1,000 for cruciate ligament; £1,000 for MRI or CT scan; £4,000 for dental treatment caused by accident or injury and £100 for diet food).

It also features up to £1,000 cover for death from accident or illness; £1.5m for third-party liability (dogs only); £1,000 for loss and recovery; up to £1,000 for holiday cancellation and up to £1,000 for emergency boarding or pet minding for your pet if you are hospitalised for medical treatment.

Silver

This is a 12-month time-limited policy, which includes up to £3,000 for vet fees per injury/illness (this includes £300 for alternative medicine; £500 for cruciate ligament; £500 for MRI or CT scan; £3,000 for dental treatment caused by accident or injury and £100 for diet food).

It includes up to £500 cover for death from accident or illness; £1m for third-party liability (dogs only); £750 for loss and recovery; up to £750 for holiday cancellation and up to £750 for emergency boarding or pet minding for your pet if you are hospitalised for medical treatment.

Bronze

This is an accident-only time-limited policy, which includes up to £2,250 for vet fees per accident (this includes £250 for alternative medicine; £500 for cruciate ligament and £250 for dental treatment caused by accident or injury)

It features up to £250 cover for death for accidents; £1m for third-party liability (dogs only); £250 for loss and recovery and up to £250 for emergency boarding or pet minding for your pet if you are hospitalised for medical treatment.

However, do bear in mind that the cost of pet insurance is affected by many different factors, such as the type and breed of pet, the pet’s age and medical conditions, and the owner’s postcode.

Are promotional codes available for Scratch and Patch Insurance?

Yes, several discount and cash-back website are currently offering deals on Scratch and Patch Pet Insurance:

Cash-back site Quidco offers £10 for Scratch and Patch’s Bronze policy, £15 for its Silver policy, £20 for its Gold policy, £35 for its Premier policy and £50 for Premier Plus

TopCashback offers £12.50 for Scratch and Patch’s Bronze policy, £17.50 for its Silver policy, £22.50 for its Gold policy, £37.50 for its Premier policy and £52.50 for Premier Plus

Giveortake.com offers £5 cashback on any Scratch and Patch policy

Discountvouchers.co.uk offers a 10% Multi-pet discount (see how this compares to other pet insurers in our multi pet insurance review).

Scratch and Patch Pet Insurance customer reviews

We couldn’t find customer reviews for Scratch and Patch online.

However, Hiscox, the company that underwrites Scratch and Patch’s policies received 4.7 out of 5 stars on Feefo, based on 623 reviews in the last year. Visit the Scratch and Patch website to get a quote.

Step 7: Scratch and Patch will then assess your claim and send either you or your vet a cheque with the money owed (no time scale is provided online). They may require you to provide further information about your history, your pet’s history or notes from your vet.

Other services available from Scratch and Patch

Scratch and Patch customers receive access to a 24-hour Careline, available 365 days per year. This line is not only for emergencies but also for everyday advice about your pet’s health and wellbeing.

This article was independently written by Bought By Many. We were not paid to write it, but we may receive commission for sales that result from you clicking on a link to one of our partners.

Bought By Many Ltd is a company registered in England and Wales with number 7886430. Address: 1-10 Summers Street, London EC1R 5BD. Bought By Many Ltd is authorised and regulated by the Financial Conduct Authority - Register number 652623. This register can be checked for details of our permissions, history and contact details.